My Titanium Apple Card was going to expire, so Apple had me request a replacement.
Good: The new card shipment comes with a pre-paid USPS mailer envelope to send the old card in for recycling!
Bad: The old and new cards are identical, and neither has an expiration date or card number. You have to be careful – don’t mix them up before returning the old card!
Interesting.
I got mine when they were announced, but my expiration date is in 2030. You can check the expiration date on your iPhone via Wallet>Apple Credit Card>circled ‘…’>Account Detail>Card Information.
Interesting. I got mine in October 2021, and since Apple said it was due to expire in October, that implies a 5 year period.
I can’t check it in Wallet because:
If you see a 2030 expiration date in Wallet for an Apple Card that you got in 2020, it could be because Apple automatically updated the expiration date of the virtual card.
While I agree with that being closer to a bug than a feature (form before function), in my case there was no chance I would have mistaken one card for the other. The old was worn from use and discolored (leather wallet). The pristine new card actually had me surprised at just how bad my old card looked.
I received a replacement two years ago. I don’t have the new card with me at the summer house - I hardly ever use it - but the expiration date for mine is 2039.
Ah the Apple Card… I got one a few months back, but when I tried to use it, it did not work on at least 2 card readers. Callled, explained the reader did not read the card. They sent out a new one saying I’d get a mailer to return the older card. Of COURSE there was no maikler or even any instructions n how to get rid of the card. Got the new one, tried it, same thing, did not work.
I THEN noticed it did not have the symbol for contactless operation… I stuck it into the reader and that worked. Never noticed it on the “original” card. My bad.
BUT who in this day and age does not have a credit card WITHOUT being contactless? Yeah just those with apple cards.
Card says Goldman Sachs, have not gotten anything about any “new” card. Still no clue how I can get rid of the first one they sent me… maybe when they replace the GS cards (assuming they will) I’ll maybe get a mailer and I can return my 2 GS cards.
The Ti Apple Card is precisely for when you cannot use contactless. If contactless is available, you obviously use the iPhone. The Ti card is intended as the backup to iPhone, not the primary.
My titanium card expiration is 2039. Virtual card is 2029.
Currently, all the places I need to pay do contactless. Saying “use the phone” is a bit disingenuous. Using it, the money comes from my bank immediately, that’s not what I want to manage my meager funds. The ONLY value the card has for me is not as an active payment method, but for the monthly payments for buying hardware from them. OTOH, given their current pricing, I ain’t buying squat.
That is not how my iPhone works with contactless payments. I set my iPhone to use my credit card of choice and it acts just as if I used a physical card as far as the bank is concerned. Perhaps you have a debit card as your default ApplePay payment method?
You misunderstood. Not use your iPhone with another card or account. Use your iPhone with the Apple Card in Wallet. That is the exact same account as the Ti Apple Card and you pay for charges to it the exact same way — charges even get listed there the exact same way. It is that digital Apple Card in Wallet that is the master. The Ti Apple Card is only intended as a backup to that in cases where you cannot use contactless.
I’ll add that in
Settings > Wallet & Apple Pay > Apple Pay Defaults
if you there set Apple Card as the default, your iPhone will automatically attempt to use Apple Card whenever you double-press the iPhone’s on/off button.
Now I’ve never been one of these people advocating for going 100% wallet-less and because I was born before 1980 I also do not have this urge to do every single task on a phone, but I will definitely agree that such a double-press is likely quicker/easier than pulling a debit card out from a wallet. And if not easier, well then it’s certainly not harder. So in that vein, Apple’s setup makes sense where Apple Card in Wallet is used as the default, while the Ti card is only intended for backup purposes when the iPhone route does not work for whatever reason.
And as @MaltbyEarl points out, you can set that default to anything else if you prefer to have it use that card as default. In fact, you can also make those choices on the fly before paying for the purchase by just opening Wallet first, selecting the card you want to use, and then double-tapping on/off. Obviously, in order for this to work, your credit (or debit) card needs to be in Wallet first. In my experience, I have been able to get every single debit and credit card (at least the US-issued ones) I have into it. And as @MaltbyEarl describes, once such a card is in there, if you use Wallet to make a contactless charge to that card via Wallet/ApplePay, on your statement it will appear as if you had used the physical card. (It’s actually even worse in the sense that on some readers, even though you’re using Wallet/ApplePay, they’ll still ask for the PIN to the debit card you’re using despite FaceID protection and the way the card/payment is integrated in Wallet and ApplePay being undoubtedly safer than that old 4-digit PIN.)
Furthermore, if you use the card via Apple Pay, you get a 2% reward; if you use the credit card, you get a 1% reward.
For folks who have an Apple Watch, it’s even simpler than using the phone; double-tap the side button, use the default card or scroll to another one, and hold your wrist over the sweet spot on the terminal.
In practice, I use the Apple Card only for Apple purchases, as I have other cards that offer higher rewards on most purchases.
Do you get looks when you do this? I agree it’s so simple, and I do it all the time. But some cashiers still react like I just activated my two-way wrist TV or some other mythical device.
Reminds me of when I was on vacation in Italy in 2017. ApplePay had not yet come to the country.
When I was in a restaurant and the waitress brought a card-reader to the table, I noticed the contactless icon and indicated that I wanted to use my phone. She was confused, but I told her to just start the transaction. I then tapped my phone and the charge went through. She thought it was the most amazing thing ever.
I did for maybe six months after I got the original Apple Watch, but now it usually doesn’t raise any interest. I live in the San Francisco Bay area, so that’s probably not surprising.
What amazes me more is that many Apple Watch users don’t use this feature at all. To me, it was one of the outstanding features of the original watch and remains so. While you may not purchase an Apple Watch for Apple Pay, once you have the watch, there’s no reason not to use it.
I don’t get weird looks in New England, either. At this point I think retailers are well used to it.
I started using my watch primarily during the pandemic, when Face ID wasn’t reliable. Now I’m about half and half - to me tapping the phone is usually easier, but sometimes I know digging into my pocket for my phone may take longer, so I’ll use the watch.
On my phone, it’s even simpler. I double-tap the button and the default card is shown, but the other cards are in a list below the default card. I select the card I want and complete the transaction. Of course, I need to keep the phone away from the reader until I have selected the card I want to use.
I mainly use my Watch. Once my wife called me straight after I tapped to pay with it and I answered on it, it was there and I was using it, so I did, feeling kinda daft but the cashier was clearly amazed.
At some point we will be walking out with whatever we’ve picked up and we will be doing nothing.
I got amazed looks every time I did this for several years. Still happens occasionally, but most cashiers have seen it before by now. I do use my watch for about 98% of my purchases these days.